FAQs

How long does the credit repair process take?

If you have errors on your credit reports that can be successfully disputed, you could see improvement in your credit in under 15-30 days with our Fast Track Program. Our fast track program has the highest deletion ratio within the first 15 days. Our clients are seeing an 80% removal of negative items being removed within their first 15 days.

Do you have a money back guarantee?

Pinnacle Credit Management has the best money back guarantee policy in the industry. You can find more info on their satisfaction guarantee here.

Who can help with credit repair?

You can help yourself with credit repair or hire a Pinnacle Credit Management to do it for you.

Who can fix my credit report?

Though the credit repair process starts with you, it is the credit bureaus that ultimately make changes to your credit reports. So if you find an error in one of your credit reports and need it to be removed you can hire Pinnacle Credit Management

Can I repair my own credit?

Absolutely. There is nothing a credit repair company can do for you that you cannot do for yourself, for free, however, if you don’t know what you are doing then it could be a very difficult and timely process.

How do credit bureaus investigate disputes?

When a credit bureau receives a dispute, they forward it to the data furnisher that provided the disputed information. The data furnisher is asked to verify its accuracy. If verified, the disputed item remains unchanged. If unverified, the credit bureau should correct it. For more details, here’s how the bureaus describes their dispute process: TransUnion, Experian, Equifax. Back to Top

What if all my negative accounts are accurate?

As you’re looking over your credit situation, a question pops up: what if most or even all of my negative items are accurate? Will credit repair still work for me? Well, there are more opportunities for change and growth than you might think. Here’s why. The F.C.R.A has strict requirements to report information on credit reports and there is a high change the negative items on your report are not following those rules. In fact according to one study done by creditcards.com one of every five American consumers has an error on his or her credit report and 5 percent of us endure errors so serious that we likely are being overcharged for credit card debts, auto loans, insurance policies and other financial obligations, according to a comprehensive study issued Monday by federal regulators.

What are credit repair companies?

Credit repair companies get paid to help consumers clean up their credit. What they can and cannot do is determined by the Credit Repair Organizations Act. While there are legitimate credit repair companies that follow these rules, there are many violators, which is why it is so important for you to watch out for red flags.

Advising consumers to change their identity or lie about their credit history

Demanding upfront payment for services that have yet to be completed

Are credit repair companies any good?

As with any industry, the quality of credit repair companies depends on which one you’re working with. Best case scenario, the company you hire has qualified staff who have an in-depth understanding of credit repair techniques. Worst case scenario, the company has no clue what it’s doing and, in fact, ends up doing nothing at all.

Which credit repair company is best?

If you’re thinking about hiring a credit repair company, we recommend checking out Bestcompany.com they have rated us #3 on their list of Best Credit Repair Companies. There you will find real reviews from thousands of customers and you can decide for yourself.

How do credit repair services work?

By law, credit repair companies can only collect fees from you for work that has already been completed. This means any credit repair company that wants to charge upfront fees – before doing any work for you – should be avoided. Note, though, it’s common to be charged an initial fee followed by a regular monthly fee for ongoing service.

Are credit repair services legitimate?

It depends on the credit repair company. Unfortunately, there are plenty of scammers out there. It’s probably not legitimate if they:

Want to charge upfront fees before doing work

Make unrealistic promises; with credit repair, there are no guarantees

Want to create a new identity for you

Are credit repair services worth it?

It is only worth paying for credit repair services if all the following are true: